Audit Monkey is your subcontractor compliance partner. We collect COIs, verify coverage, track expiration dates, chase renewals, and make sure your subs are paid — keeping you protected from liability and audit overcharges.
Managing subcontractors in Florida means more than just sending checks. It means staying on top of insurance compliance, payment records, and audit documentation — all year long. Audit Monkey handles all of it.
We collect certificates of insurance from every subcontractor before they start work.
We verify that each COI meets your policy requirements — correct limits, correct coverage types.
We monitor every COI expiration date and proactively contact subs to renew before lapse.
We follow up with non-compliant subs so you never have a coverage gap on your job sites.
We ensure subs are paid correctly and on time, with proper 1099 documentation.
Complete, organized subcontractor files ready for any insurance audit — instantly.
Florida law is clear: if a subcontractor you hire is injured on your job site and they don't have their own workers compensation insurance, your policy covers them. That means their payroll gets added to your audit — and you pay their premium.
For Florida general contractors, roofers, and landscapers with multiple subs, this can mean thousands in unexpected audit charges every year. The only protection is a current, verified COI on file for every subcontractor, every day they're on your job.
Learn About Audit DefenseIn Florida, if a subcontractor you hire does not have their own workers compensation insurance, you — the general contractor — can be held liable for any injuries they sustain on your job site. Additionally, uninsured subcontractors are included in your workers comp and general liability audit, dramatically increasing your premium. Proper COI management protects you legally and financially.
A Certificate of Insurance (COI) is a document that proves your subcontractor carries their own insurance coverage. In Florida, you need current, valid COIs for every subcontractor to exclude their payroll from your workers comp audit. COIs expire — typically annually — and must be renewed and re-collected each year.
Yes. Audit Monkey manages the full subcontractor lifecycle: collecting and verifying COIs, tracking expiration dates, chasing renewals, and ensuring subcontractors are paid correctly and on time. We also maintain the documentation trail needed for insurance audits.
If a subcontractor's COI expires and they continue working, their payroll during the lapsed period may be included in your workers comp audit — meaning you pay their insurance premium. Audit Monkey monitors all expiration dates and proactively contacts subs to renew before coverage lapses.
Free consultation. We'll review your current subcontractor file and show you exactly where your exposure is.
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